Podcasts about calculating

“It's not going to take much to push us back into a shortage market where demand would exceed supply.” - Graham Scott, Vice President, Global Procurement at Jabil Semiconductor volatility is grabbing headlines again, but what's really happening beneath the surface for organizations buying and managing critical components? Graham Scott, Vice President of Global Procurement at Jabil, knows this landscape inside and out. In this episode, Graham speaks with Philip Ideson about the biggest pressures facing procurement teams, from AI-driven shifts in global supply, to the real cost of building resilient risk-management strategies.  Graham discusses how transparency and agility will set the winners apart, and why procurement teams must stay close to both operational details and C-suite priorities. For procurement teams steering spend, pushing for greater optionality or navigating complex geopolitical headwinds, Graham shares strategies they can use right now. Graham also covers: Assessing hidden risks behind “healthy” inventory levels Rethinking supplier relationships to secure mission-critical data Calculating the tradeoffs and ROI of dual sourcing Navigating the impact of AI and geopolitics on future investment Links: Graham Scott on LinkedIn Subscribe to This Week in Procurement Subscribe to Art of Procurement on YouTube

This episode is brought to you by www.thebikeaffair.comIf you are in search of a one-stop destination that caters to all your cycling needs, our today's sponsor, The Bike Affair, is the perfect place to check out! With over 14 years of experience, The Bike Affair has established itself as a trusted source offering honest advice and exceptional service. They are offering a special treat for the listeners of this podcast. You can enjoy a 10% discount on your first order by using the code 'BIKEYVENKY' on their website.  Visit their bike store in Hyderabad or shop online by using the link www.thebikeaffair.com   In this episode I talk to Anirudh Ravichandran. Anirudh is a triathlete and a triathlon coach at Arise Performance. He is a post graduate in performance coaching with a background of strength and conditioning. In this episode we talk about various training methods and metrics that he learnt during his performance coaching studies and how he was able to bring them into practice during his training and races. It as an interesting and insightful conversation. I hope you enjoy it as much as I did.  0:00:00  Intro0:03:45  Major milestones in the last 18 months or so for Anirudh and Arise0:07:40  What to consider for a team relay triathlon event0:09:40  Recovering from a running injury, importance of strength work0:12:15  Coaching priorities over personal performance0:14:20  Race day nutrition, heat preparation, avoiding cramping, 0:18:30  Calculating sodium losses, Hydration sensor0:22:30  Training with core-temperature sensor0:24:10  Behrain Ironman 70.3 experience; hanging in there in tough conditions to end up having a personal best0:33:20  Masters in Performance coaching, Using V-La Max(Maximal Lactate Accumulation rate) for training 0:44:00  Polarized training vs threshold/Sweet Spot training; race specificity 0:50:10  Velocity based training for strength for cyclists 0:56:00  Arise and Lakshyan facility for training; importance of more coaches and facilities1:03:20  Talking of future of triathlon1:04:40  Durban 70.3 experience1:09:20  Closing  About the PodcastThe working athlete podcast is a podcast with and for working athletes from all walks of life and various sports. The goal is to provide inspiration, training tips, mental hacks, time management and life-style advice through conversations with some of the best in sport, from athletes to coaches. If you think you can benefit from this, please consider subscribing so that you don't miss the weekly episodes in future. Who is a working athlete? Someone working fulltime/part-time, entrepreneur or anyone who has to work to make ends meet and doesn't let being busy to stop him/her from pursuing an active lifestyle is a working athlete. I consider stay at home moms/dads who pursue a sport, as working athletes because homemaking is a full-time job.If you like this, share with friends who could be interested.For the visually inclined, a video version of the podcast can be found here: YouTubeOther Places you'll find the podcast on:Anchor | RSS | Apple Podcasts | Spotify | Pocket Casts | Radio Public | Breaker  A bit about myself:I'm Venkat/Venkateswara Rao in my work avatar, working as a Chief Data Analyst in the IT industry in Bangalore. I'm Venky/Bikeyvenky for my friends in the cycling community.

Did Ramit Sethi just destroy the biggest renting vs owning myth on the Diary of a CEO podcast? Caleb compares the costs of renting & owning a home to show which one is actually cheaper in the long run! 00:00 Introduction00:45 Renting Vs Owning04:50 Caleb Thoughts on Owning vs Renting05:25 Monthly Cost to Live?05:45 How Much Money Do You Need?06:16 What is the Alternative Investment Return?08:15 Pros and Cons of Owning and Renting a Property17:07 Calculator.net (Rent vs Buy)Want a Life Insurance Policy? Go Here: https://bttr.ly/bw-yt-aa-clarity Want FREE Whole Life Insurance Resources & Education? Go Here: https://bttr.ly/yt-bw-vault______________________________________________ Learn More About BetterWealth: https://betterwealth.com====================DISCLAIMER: https://bttr.ly/aapolicy*This video is for entertainment purposes only and is not financial or legal advice.Financial Advice Disclaimer: All content on this channel is for education, discussion, and illustrative purposes only and should not be construed as professional financial advice or recommendation. Should you need such advice, consult a licensed financial or tax advisor. No guarantee is given regarding the accuracy of the information on this channel. Neither host nor guests can be held responsible for any direct or incidental loss incurred by applying any of the information offered.

In this episode, Scott Carson breaks down a tape of 187 note assets, offering expert insights into geographic distribution, loan performance, and due diligence strategies. This is a must-listen for note investors looking to navigate the current market.Key Points Covered:Geographic Analysis:Tape covers 33 states, with a significant concentration in Texas and Florida.Strategic state selection based on foreclosure timelines.Loan Performance Breakdown:Performing, sub-performing, and non-performing notes.BK Chapter 13, Chapter 7, and modifications.Financial Metrics:Interest rates, BPO dates, and unpaid principal balance (UPB).Review of last 12 months payment history and payment amounts.Identification of non-performing assets.Discussion of BPO values and average equity.Analytical Techniques:How to determine the equity amount in a property.Calculating offering price based on equity and payment data.How to determine potential ROI based on payment data.Key Due Diligence Steps:Checking local legal balances.Analyzing legal status of foreclosures and bankruptcies.Understanding key parameters used to evaluate each loan.Conclusion:Scott Carson provides a comprehensive guide to analyzing a note tape, arming investors with the knowledge to identify profitable opportunities and make informed bidding decisions. From geographic considerations to in-depth financial analysis, this episode is a valuable resource for anyone looking to succeed in the note investing space.Watch the Original VIDEO HERE!Book a Call With Scott HERE!Sign up for the next FREE One-Day Note Class HERE!Sign up for the WCN Membership HERE!Sign up for the next Note Buying For Dummies Workshop HERE!Love the show? Subscribe, rate, review, and share!Here's How »Join the Note Closers Show community today:WeCloseNotes.comThe Note Closers Show FacebookThe Note Closers Show TwitterScott Carson LinkedInThe Note Closers Show YouTubeThe Note Closers Show VimeoThe Note Closers Show InstagramWe Close Notes PinterestGet Signed Up For the WCN Membership HERE!

This week on the Retirement Quick Tips Podcast, I'm sharing with you several resources that I use with my own clients when marking important decisions and planning for their retirement.  Today's free resource is my net worth worksheet. Unless you obsessively check your bank and investment accounts 5 times a day, it may not be intuitive why you need to know and track your net worth over time.  But knowing your net worth matters. Tracking your net worth over time is critical to reaching your financial goals, understanding your liquidity, and making smarter decisions with your money… For your free personal net worth worksheet, go to: www.truenorthra.com/networth A special bonus - if you complete your net worth worksheet and send it back to me, I'll send you a personalized analysis, complete with fancy pie charts to help you see what's working, as well as potential imbalances and red flags, along with my comments.  This is only for the first 10 people who send back their net worth statement, so be sure to download it at truenorthra.com/networth, then complete it and email it back to me at ashleym@truenorthra.com

Are you feeling financial stress in your Myofascial Release practice?  In this episode, Heather dives into the common anxieties therapists face regarding their numbers and finances. She outlines actionable steps to take control of your finances, including: Calculating the exact number of clients or packages you need to reach your financial goals. Tracking your personal and business expenses to gain clarity on your spending habits. Setting clear financial targets to help you feel more secure and in control. Implementing a simple tax calculation to prepare for tax season without stress. It's time to embrace your role as the CEO of your practice and take charge of your financial future. Tune in to discover how understanding your financial landscape can transform your experience in business and alleviate the overwhelm that often accompanies uncertainty.    NEW WEBINAR ALERT — Join Heather on August 5th at 2 PM Central for a live training session, "Sell MFR to Anyone in Any Situation." Learn how to effectively communicate your services and gain clients. Plus, unlock a bonus coaching call! Register now. And check out Heather's new book, "Your MFR Practice Starts Here: Get Fully Booked, Raise Rates, and Build the Business You Actually Want", available on Amazon. This book is a must-read for those who want to stop guessing and start building a profitable MFR practice that truly works for their lifestyle.    LINKS AND RESOURCES —

Should you take the lump sum or stick with monthly support payments? In this episode, Catherine and Karen unpack one of the most misunderstood yet consequential decisions in divorce: alimony buyouts. Together, they demystify how these lump sum payments are calculated, who truly benefits, and what hidden pitfalls can jeopardize your financial future. From passive income projections to payout timing and mortgage qualification hurdles—this deep dive explores the real-world scenarios and tough questions you must ask before signing your agreement. Lump Sum Alimony: Pros & cons for both payer and recipient Tax implications & investment risks Liquidity vs. long-term cash flow Calculating present value & discount rates Passive income assumptions—and why timing matters What if the payer can't pay all at once? Tranches, step-down payments, and protective clauses Impact on mortgage eligibility The role of life insurance and estate protection Why enforceability & agreement language matter The crucial importance of stress-testing financial plans Listener Challenge: Are you considering a lump sum offer? Screenshot this episode and send it to a friend or family member who might be weighing the same decision. Share the clarity.

Fellow ALS widow Willy Grant, who lost her husband, Glenn, to the disease in November of 2024, joins Kelsie to talk about the ALS information gap, misdiagnosis, learning to accept help, the personal benefits of public vulnerability and adjusting to life on the other side of loss. Donate to the ALS Society of Alberta here.Support the show

James Lawrence, better known as The Iron Cowboy, is a world-renowned keynote speaker, bestselling author, and endurance athlete who redefined human potential by completing 50 Ironmans in 50 days across all 50 states — and then doing the unthinkable — 100 full-distance triathlons in 100 consecutive days. Before becoming the greatest endurance athlete in history, James was a successful entrepreneur, running a thriving mortgage company and helping hundreds of clients build wealth through homeownership and strategic refinancing. That same relentless mindset that powered him through thousands of miles now fuels his ventures in multi-family real estate and ownership of Crumbl Cookie franchises. He's been named one of Sports Illustrated's “Fittest 50,” featured in two acclaimed documentaries, and honored alongside icons like LeBron James and Conor McGregor. But James's story isn't just about athletic records — it's about purpose, resilience, and refusing to settle for average. In this episode of In the Know, Chris Hampshire and James examine the importance of risk-taking in any successful career, techniques for transferring fear to excitement, and the possibilities that are available to those who are brave enough to tackle the unknown.   James will be the closing keynote and conferment speaker at this year's In2Risk event, taking place November 3‒5 in New Orleans. For more information and to register, visit In2Risk.org. Register by Sept. 5 to take advantage of early bird rates.   Key Takeaways James's pivot from the mortgage industry to extreme sports. The importance of risk-taking in any successful career. Calculating which risks bring the greatest rewards. The suffering is worth it when you show up prepared. The future is filled with possibilities for those who are willing to take risks. AI leverage has the potential to bring greater joy to the workforce. Techniques for transferring fear to excitement. Breaking monumental accomplishments down into manageable tasks. Personal development and risk-taking. Staying healthy while achieving incredible goals. What to expect from James's keynote presentation at In2Risk. A five-year look at the rapidly changing future. James's encouraging advice to his early career self.   In the Know podcast theme music written and performed by James Jones, CPCU, and Kole Shuda of the band If-Then.   To learn more about the CPCU Society, its membership, and educational offerings, tools, and programs, please visit CPCUSociety.org.   Follow the CPCU Society on social media: X (Twitter): @CPCUSociety Facebook: @CPCUSociety LinkedIn: @The Institutes CPCU Society Instagram: @the_cpcu_society   Quotes “Sometimes hitting rock bottom can be the greatest gift.” “What is the risk that I have to take? And what is the benefit to myself, my family, my community?” “The suffering is always worth it if you show up prepared.” “For people who understand and leverage AI, it's going to bring a lot of joy and happiness in their lives.” “Am I going to allow fear to dictate my decisions, or am I going to continue to chase my dreams?” “Taking risks and personal development go hand in hand.”  

Avodah Zara 9 : Marc Chipkin : 2025-06-27 Calculating years from the destruction of the Temple based on dates in a document, or vice versa. The 2000 years of Torah began when Abraham was 52 years old. Calculating shemittah based on the destruction of the Temple.

Mark works 60 hours a week running his building company while his foreman works 40 hours - yet Mark only makes $2 more per hour despite carrying all the liability, stress, and responsibility. Sound familiar? Join Marty Amos as he breaks down Chapter 1 of The Profitable Builders Playbook, revealing why the top 5% of building company owners work just 35 hours per week while the bottom 25% grind through 65+ hour weeks. Discover the Professional Builder Rate formula that shows your true hourly worth, the genius zone matrix that identifies which tasks you should eliminate, and the step-by-step process to buy back one full day per week in 90 days. Learn why working more hours doesn't equal more money, how to create your stop-doing list, and why the most successful builders focus 80% of their time on high-fun, high-skill, high-value tasks that actually move the needle. Key Points 00:00:00 Introduction: Why great builders get trapped on the hamster wheel 00:03:20 The shocking truth about builder earnings vs. hours worked 00:05:40 Step 1: Reverse engineering your ideal lifestyle and vision 00:08:15 Step 2: Calculating your Professional Builder Rate (PBR) 00:11:30 Step 3: The genius zone matrix - mapping skill vs. fun 00:14:45 Step 4: Creating your stop-doing list every 90 days 00:17:20 Step 5: The Freedom Finder and default diary structure 00:20:10 Why systems beat speed every time 00:22:30 Action steps: Calculate your current PBR and set targets Tune in to discover how to escape the trap of working harder for less money and start building a business that works for you instead of the other way around. Follow TPB for more:

In this episode, Michela is breaking down the top 5 financial decisions that helped her cross the $1M net worth threshold before turning 30. From living at home post-grad and building a business, to tracking every dollar and calculating my FIRE number—these choices weren't flashy, but they were incredibly effective. Whether you're in your early 20s or heading into your 30s, these are the practical, foundational moves that can create serious financial momentum over time.I'll also share the mindset shifts that made the biggest difference and how to apply these lessons to your own journey—even if you feel “behind.TIME STAMPS: 00:00 – Intro: approaching 30, thirties reflections01:30 – Housekeeping: templates, upcoming FIRE & real estate tools04:30 – Why financial progress takes years, not months06:00 – Decision #1: Living at home + keeping rent low10:00 – Decision #2: Starting a business (Break Your Budget)14:30 – Decision #3: Choosing a practical college major (Finance)18:30 – Decision #4: Tracking my expenses consistently22:00 – Decision #5: Calculating my FIRE & work optional numbers26:30 – Closing thoughts: Your 20s don't have to be perfect, they just need to be intentional

Extreme Heat: More Dangerous Than We Think?Extreme heat, one of the adverse consequences of climate change, exacerbates drought, damages agriculture, and profoundly impacts human health. Heat is the top weather-related killer in the United States, contributing to deaths that arise from heart attacks, strokes, and other cardiovascular diseases. As temperatures are projected to increase, so will the risk of heat-related deaths. Urban heat islands, cities with large numbers of buildings, roads, and other infrastructure, are ‘islands' of hot temperatures due to the reduced natural landscape, heat-generating human-made activities, and large-scale urban configuration. More than 40 million people live in urban heat islands in the United States, with this number only increasing as people continue to move from rural to urban areas. Around 56% of the world's total population lives in cities. Those living in large cities are more vulnerable to the effects of extreme heat, with research showing an increased mortality risk of 45% compared to rural areas. The risk of heat-related exhaustion and death is a major public health concern that is exacerbated by the climate crisis. The National Weather Service is in the process of creating a new interface known as HeatRisk, which uses a five-point scale to monitor the heat-related risk for vulnerable populations based on local weather data and health indicators. By mapping heat risk, climate scientists hope that individuals will now have a better understanding of the safety concerns associated with being outside during times of extreme heat. Understanding Heat Index DynamicsBefore stepping outside, most individuals check the daily weather prediction to get a sense of the average temperature. In order to measure the perceived temperature, climate scientists use a heat index, a calculation that combines air temperature and relative humidity to create a human-perceived equivalent temperature. Accurate prediction of the heat index is imperative as every passing year marks the warmest on record, with dangerous extreme heat predicted to become commonplace across arid regions of the world. Therefore, tracking such calculations is necessary in assessing future climate risk. Areas especially vulnerable to extreme heat heavily rely on an accurate prediction of temperature to determine if it is safe to go outside.However, there are over 300 heat indexes used worldwide to calculate the threat from heat, defeating the potential universality of this metric. Each heat index weighs factors differently, making it difficult to differentiate between various metrics. Dozens of factors are used to estimate the daily temperature based on predictions of vapor pressure, height, clothing, or sunshine levels. In addition, most heat indexes report the temperature assuming that you are a young, healthy adult and are resting in the shade, not in the sun. If outdoors, the heat index could be 15 degrees higher. If you are older, you may not be as resilient during intense temperatures.As a result, many climate scientists are calling for heat indexes that reveal the apparent risk of being outdoors on any given day. The elderly, children and infants, and those suffering from chronic diseases are more vulnerable to high temperatures than healthy, young adults, which needs to be accounted for when surveying temperature risk. Advanced Heat Assessment Tools: HeatRisk and WBGTThe National Weather Service's HeatRisk index is different from previous models as it identifies unusual heat times and places, also taking into account unusually warm nights. As such, it provides a more universal measure accounting for the degree to which people in the area are acclimated to various heat temperatures. The HeatRisk index can thus be used to gauge levels of danger associated with temperature, potentially altering an individual's behavioral patterns. For those working in outdoor fields, the WetBulb Globe Temperature (WBGT) measure can be particularly useful as a way to measure heat stress as it takes into account temperature, humidity, wind speed, sun angle, and cloud coverage. Different from the heat index, the WBGT includes both temperature and humidity and is calculated for areas in the shade. If not exercising or working outdoors, people can revert to the HeatRisk scale to calculate the potential hazards of being outside for longer periods. Heat Indexes are Harder to Calculate Than They AppearBecause scientists have to account for a variety of factors like geography, physics, and physiology, establishing a truly universal heat index is unlikely. For regions like Colorado, creating the criteria for a heat advisory has proven shockingly difficult. Heat indexes typically rely on temperature and humidity, however, the Colorado landscape is so dry that an advisory is very rarely triggered, even during heat waves. In such scenarios, the HeatRisk index provides a better gauge for outdoor safety. Most people underestimate the dangers of extreme heat and often ignore warning messages from local authorities. Educational programs are vital in informing the public on the dangers of extreme heat.Who is David Romps?David Romps, UC Berkeley professor of Earth and Planetary Science, is at the forefront of heat index research. Romps has found that those exposed to extreme heat suffer restricted blood flow and are often unable to physiologically compensate. Through his research, Romps believes that heat index calculations often underestimate the potential heat impacts on individuals, with the human body being more susceptible to heightened temperatures than commonly understood. Further ReadingCenter for Climate and Energy Solutions, Heat Waves and Climate ChangeHuang, et.al, Economic valuation of temperature-related mortality attributed to urban heat islands in European cities, Nature Communications, 2023National Weather Service, What is the heat index?National Weather Service, NWS Heat Risk PrototypeNational Weather Service, WetBulb Globe TemperatureSharma, More than 40 million people in the U.S. live in urban heat islands, climate group finds, NBC News, 20232023 was the world's warmest year on record, by far, NOAA, 2024Coren, The world needs a new way to talk about heat,  The Washington Post, 2023Hawryluk and KFF Health News, A New Way to Measure Heat Risks for People, Scientific American, 2022UC Berkeley Heat Index Research, David RompsUS EPA, Climate Change Indicators: Heat-Related DeathsUS EPA, What are Heat Islands? For at transcript of this episode, please visit  https://climatebreak.org/calculating-threats-from-rising-temperatures-using-heat-indexing-with-professor-david-romps/

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Both Russia and China are well-positioned to lead global efforts through multilateral institutions such as the UN and the International Atomic Energy Agency.

At any given time, 95% of potential B2B buyers aren't in-market for your product. Only 5% are actively shopping. Most people your ads reach won't buy anytime soon.This week, Elena, Angela, and Rob explore the 95/5 rule introduced by professor John Dawes in 2021. They discuss how this principle contradicts the familiar 80/20 rule, why the fundamental principle applies beyond B2B categories, and how brands can shift from "hunter" to "farmer" mindsets. The team also covers creative strategies for reaching the 95% who aren't ready to buy yet and why mental availability matters more than immediate conversion. Topics covered: [01:00] Origins of the 95/5 rule and how it contradicts 80/20 thinking[04:00] Why the rule makes sense for B2B but challenges B2C assumptions[07:00] How modern marketing overemphasizes tracking immediate conversions[09:00] Calculating the 95/5 rule for your specific category[12:00] Creative strategies that build memory structures for future buyers[14:00] Shifting from hunter to farmer mentality in advertising strategy[17:00] Brand versus performance marketing balance under this rule  To learn more, visit marketingarchitects.com/podcast or subscribe to our newsletter at marketingarchitects.com/newsletter.  Resources: John Dawes: The 95:5 Rule: https://johndawes.info/the-955-rule/ Tyrona Heath: Why You Should Follow The 95-5 Rule: https://tyronaheath.com/2022/08/11/why-you-should-follow-the-95-5-rule/ Get more research-backed marketing strategies by subscribing to The Marketing Architects on Apple Podcasts, Spotify, or wherever you listen to podcasts. 

This is a bitesize episode of 'The insuleoin Podcast - Redefining Diabetes'. Each week we'll take a look back into the archive of episodes and get you to think and reflective once more about some of the things we've learned over the past few years. In this week's BITESIZE:The importance of your over night blood sugar. Prime your needle before you use it. Calculating pre bolus. To hear the full episode check out episode #187: 5 Tips & Ideas That will Increase Your Energy & Time In Range %. Hosted on Acast. See acast.com/privacy for more information.

Some people bought Tamagotchis in the '90s. Others? They paid birds to predict their future. In this week's episode, we take a glimpse into Taiwan's wild obsession with fortune-telling — and what it reveals about culture, comfort, and even politics. From oracle bones to rose stones, the history of Taiwanese divination has been an unpredictable ride.  Go check out our website. And follow us on social media...LIKE, SUB, etc!

The Ultimate Retirement Budgeting Formula Revealed: Secure Your Financial FutureHow much you need to retire quiz: https://adamdolson.com/retire-quiz/In this video, discover a transformative retirement budgeting formula that goes beyond traditional advice. Learn how to categorize your expenses into essential, discretionary, and one-time costs to eliminate financial stress and boost your retirement satisfaction. Get practical tips on estimating expenses, managing taxes, and monitoring your budget to maintain financial security and enjoy your golden years. .00:00 Introduction to Retirement Budgeting00:40 Breaking Down Essential Expenses01:32 Understanding Discretionary Expenses01:59 Planning for One-Time Expenses02:39 Calculating and Adjusting Your Budget04:23 Managing Taxes in Retirement05:06 Monitoring and Adjusting Your Budget06:18 Implementing Your Retirement Spending Plan09:16 Conclusion and Next Steps8043718.1

Are you losing money before the job even hits the floor? If your quotes are based on outdated spreadsheets, rough guesses, or a “that's what we've always charged” mindset, you might be setting your shop up to fail—before the first chip falls. In this episode of the Machine Shop MBA series, we tackle one of the most common (and costly) problems in manufacturing: bad quoting. Mike shares lessons from five shop acquisitions—each one quoting the wrong way. Paul lays out a clear framework for cost modeling, from flat-rate estimating to activity-based precision. And Nick brings it all home with real-world strategies for walking away from unprofitable jobs and quoting with confidence. You'll learn how to: Break down your true cost per hour (and why most shops get it wrong) Quote faster and win better work Tie quoting to sales strategy and customer fit Eliminate jobs that quietly kill your margin Because quoting isn't just a math problem. It's a leadership decision—and the future of your shop depends on getting it right. Segments (0:00) Friday energy, name mispronunciations, and intro banter (1:01) Why ProShop can help you achieve on-time delivery (2:34) Common quoting mistakes usually stem from broken models (6:25) Scarcity mindset vs. abundance mindset in quoting decisions (7:45) The four cost buckets you need to understand (9:22) Estimating 101, 201, and 301: building smarter quoting systems (12:58) How automation changes the math (or does it…?) (16:20) Value-based pricing: how some shops quote with confidence and win (18:00) Customer transparency: when it helps, and when it hurts (19:50) Sales pressure and quoting leverage: why quoting ties back to marketing (21:05) Calculating machine rates: depreciation, utilization, and more (24:30) Overhead, tooling, scrap—when to include it, and how (25:22) Stay tuned for Top Shops 2025 registration!  (27:45) Quoting efficiency: Don't win everything—win smart (30:42) Win rates: Why 100% is a red flag, and 40% might be just right (34:20) Speed-to-quote: The biggest untapped quoting advantage (37:43) Don't forget to charge for review, prep, and inspection (39:32) Kill the losers: How to identify and eliminate unprofitable jobs (44:38) Use quoting as a filter for new customer relationships (46:15) Knowing your limits and stretching your niche (51:17) Recap and preview: How quoting connects to sales, strategy, and growth  (55:30) Grow your top and bottom line with CLA Resources mentioned on this episode ProShop can help you achieve on-time delivery Episode #73: A Recipe for Winning High-Volume Work Stay tuned for Top Shops 2025 registration!  Machine Rate Spreadsheet FedEx French Benefits Commercial Connect With MakingChips www.MakingChips.com On Facebook On LinkedIn On Instagram On Twitter On YouTube

Jeff Bussgang of Flybridge Capital joins Nick to discuss Calculating the Market Size for AI, Building an "Experimentation Machine," the Bull Case for Non-Technical Founders, and the Key to PMF in the AI Age. In this episode we cover: Exits and Liquidity in Venture Capital The Experimentation Machine and AI Opportunity Evaluating AI Businesses and Founders Challenges and Opportunities in AI Investing Entrepreneurship Education and Startup Ecosystems Product-Market Fit and Customer Discovery Future of AI and Venture Capital Guest Links: Jeff's LinkedIn Jeff's X Flybridge's LinkedIn Flybridge's Website The host of The Full Ratchet is Nick Moran of New Stack Ventures, a venture capital firm committed to investing in founders outside of the Bay Area. Want to keep up to date with The Full Ratchet? Follow us on social. You can learn more about New Stack Ventures by visiting our LinkedIn and Twitter.

Machiavelli guides your relationships, sex work funds your freedom, but loneliness looms. Can calculating hearts learn to love? Welcome to Feedback Friday!And in case you didn't already know it, Jordan Harbinger (@JordanHarbinger) and Gabriel Mizrahi (@GabeMizrahi) banter and take your comments and questions for Feedback Friday right here every week! If you want us to answer your question, register your feedback, or tell your story on one of our upcoming weekly Feedback Friday episodes, drop us a line at friday@jordanharbinger.com. Now let's dive in!Jordan's must reads (including books from this episode): AcceleratEdFull show notes and resources can be found here: jordanharbinger.com/1162On This Week's Feedback Friday:Shiatsu on my shoulder makes me happy.What makes the difference between a storyteller and a snoreyteller?You're a trans woman with Machiavellian traits who craves intimacy but views relationships as cost-benefit transactions. After escaping an unhappy marriage, you're working at a brothel while running a business in rural Asia. Can someone who treats people like "toys" ever find genuine connection?Remember that emotional affair with your coworker Bob while you had a boyfriend in episode 1037? Well, life just served up a delicious plot twist: you landed your dream job only to discover you're now working directly with Bob's girlfriend. She wants to be best friends. What could possibly go wrong?You're a federal power plant operator facing potential job cuts under the new administration. They're offering a resignation package with continued pay through September, but there's a job opportunity in NYC. Do you hedge your bets or roll the dice on government stability? [Thanks to federal employment lawyer Justin Schnitzer for helping us with this one!]Recommendation of the Week: WayfindersGabe attended a two-day dance workshop involving forced vulnerability exercises, portal-walking declarations, and receiving roses for sharing your "truth." He proclaimed "I am available" and felt like he failed at emotional openness. Did the workshop miss the mark, or was he too defended to benefit?Have any questions, comments, or stories you'd like to share with us? Drop us a line at friday@jordanharbinger.com!Connect with Jordan on Twitter at @JordanHarbinger and Instagram at @jordanharbinger.Connect with Gabriel on Twitter at @GabeMizrahi and Instagram @gabrielmizrahi.And if you're still game to support us, please leave a review here — even one sentence helps! Sign up for Six-Minute Networking — our free networking and relationship development mini course — at jordanharbinger.com/course!Subscribe to our once-a-week Wee Bit Wiser newsletter today and start filling your Wednesdays with wisdom!Do you even Reddit, bro? Join us at r/JordanHarbinger!This Episode Is Brought To You By Our Fine Sponsors:DeleteMe: 20% off: joindeleteme.com/jordan, code JORDANOura Ring: 10% off: ouraring.com/jordanShopify: 3 months @ $1/month (select plans): shopify.com/jordanNordVPN: Exclusive deal: nordvpn.com/jordanharbingerLand Rover Defender: landroverusa.comSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Welcome to PTs Snacks podcast! I'm Kasey, your host, and today we're diving into chronic workload ratios—an essential tool to manage injury risk in athletes. We'll break down the formula, discuss ideal ratio zones, and use examples like running, strength training, and RPE to showcase its application. This episode is perfect for physical therapists and students looking to apply this concept in various settings, from clinics to personal workouts. Tune in to learn how to quantify safe progressions and keep your athletes at their best!00:00 Introduction to PTs Snacks Podcast00:35 Understanding Chronic Workload Ratio02:56 Calculating the Chronic Workload Ratio04:09 Ideal Zones and Examples07:56 Practical Applications for PTs09:13 Additional Resources and ConclusionSupport the showWhy PT Snacks Podcast?This podcast is your go-to for bite-sized, practical info designed for busy, overwhelmed Physical Therapists and students who want to build confidence in their foundational knowledge without sacrificing life's other priorities. Stay Connected! Never miss an episode—hit follow now! Got questions? Email me at ptsnackspodcast@gmail.com or leave feedback HERE. Join the email list HERE On Instagram? Find unique content at @dr.kasey.hankins! Need CEUs Fast?Time and resources short? Medbridge has you covered: Get over $100 off a subscription with code PTSNACKSPODCAST: Medbridge Students: Save $75 off a student subscription with code PTSNACKSPODCASTSTUDENT—a full year of unlimited access for less!(These are affiliate links, but I only recommend Medbridge because it's genuinely valuable.) Optimize Your Patient Care with Tindeq Looking for a reliable dynamometer to enhance your clinical measurements? Tindeq ...

Professional Builders Secrets brings you an exclusive episode with Russ Stephens, Co-founder of APB, recorded live at the International Builders Show in Las Vegas. In this powerful conversation, Russ breaks down how builders can scale their building company without sacrificing their evenings and weekends. It all comes down to time management, prioritisation, and effective delegation.This episode is sponsored by Apparatus Contractor Services, click the link below to learn more:hubs.ly/Q02mNSsG0INSIDE EPISODE 188 YOU WILL DISCOVERWhy most builders are stuck in the day-to-day grindThe key mindset shift required to break through the "glass ceiling"How to implement the D.A.D. method: Delete, Automate, DelegateWhy delegation by abdication is one of the biggest risks for growing companiesThe importance of exception reporting and onboarding systemsHow to calculate the real value of your timeABOUT RUSS STEPHENSCo-founder of the Association of Professional Builders, Russ is a data analysis expert who has introduced data-driven decision making to the residential construction industry. Russ is also a proud member of the Forbes Business Development Council.Connect with Russ:linkedin.com/in/russstephensTIMELINE2:15 Why builders never really leave the startup phase6:40 The mindset shift: Why 80% is good enough9:10 The D.A.D. method – Delete, Automate, Delegate14:25 Why working on-site limits your ability to scale18:35 How to delegate without abdicating responsibility22:00 Calculating the real value of your timeLINKS, RESOURCES & MOREAPB Website:associationofprofessionalbuilders.comAPB Rewards:associationofprofessionalbuilders.com/rewards/APB on Instagram:instagram.com/apbbuilders/APB on Facebook:facebook.com/associationofprofessionalbuildersAPB on YouTube:youtube.com/c/associationofprofessionalbuilders

Soon after the start of the war in Ukraine, Russia stopped publishing official data on its military losses. Despite that, analysts from independent media still manage to extract data from multiple sources, such as regional obituaries, payments, satellite images, and other open-source intelligence resources. How did Mediazona, a civil rights media outlet, become a leading source of data on Russia's losses? How reliable is the data, and what does it tell us? Will the growing military casualties ever lead to a public backlash in Russia?You can read Mediazona's analysis here: https://en.zona.media/article/2025/04/25/casualties_eng-trlIf you would like to support Mediazona's work, you can make a donation here: https://donate.zona.media/en?utm_source=header-web&utm_medium=web&utm_campaign=regular

In this I'm breaking down the surprising truth about co-ops versus condos in New York City real estate. While co-ops are known as the more affordable option with lower purchase prices, I'll show you the shocking math that reveals they actually require MORE income and cash on hand than their pricier condo counterparts. Through a detailed side-by-side comparison of a $1M co-op and $1.25M condo, I'll expose how co-op down payment requirements, debt-to-income ratios, and post-closing liquidity demands dramatically change the affordability equation.About the Host:Christina Kremidas is a lifelong New Yorker who brings her extensive background in advertising to her successful real estate career in Manhattan. Her personal experience as a property investor and landlord in New York City gives her unique insight into her client's needs, while her negotiation expertise and market knowledge have quickly established her as a top-performing agent, ranking among the top 1.5% of licensed Agents in the United States for Sales Volume and among the Top 10 highest producing Small Teams at Douglas Elliman Real Estate. Beyond her professional achievements, Christina is deeply involved in the NYC community.  She is a founding Steward at St. Nicholas Greek Orthodox Church and National Shrine at the World Trade Center, where she serves on the Parish Council and leads social media, marketing, and young adult initiatives.Get in touch with Christina:Instagram: https://www.instagram.com/christina.kremidasTikTok: https://www.tiktok.com/@christina.kremidasCheck out my website: https://christinakremidas.com/Email me: Christina.Kremidas@elliman.comWhat Is Your Property Worth?: https://christinakremidas.com/home-valuationThe Virtual Agent Experience: https://christinakremidas.com/virtual-agentTimestamps0:00 "The co-op math ain't mathing"1:19 Setting up the comparison: $1M co-op vs. $1.25M condo3:47 Breaking down financing options and down payment requirements6:19 Analyzing debt-to-income ratio requirements9:29 Calculating income requirements 11:52 Post-closing liquidity requirements 14:14 Comparing closing costs 16:22 Co-op requires $200K more cash and $30K higher income

Support us on Patreon... Team LMSU are calling all Summerupperers to come join the expanded LMSU universe and support our Patreon! Every fortnight, the day after a regular episode drops, there will be a delicious, subscriber only BoCo episode. Because, THERE IS TOO MUCH! This week we are taking stock of post-election shenanigans and implications for climate policies. Run, don't walk over to https://www.patreon.com/LetMeSumUp.—It took something majorly main course to distract your entrepid hosts from microwaving some more post-election popcorn (never fear, this week's BoCo episode for Patreon subscribers will provide your fix). To detoxing from domestic politics we read this excellent analysis from Lauri Myllyvirta for Carbon Brief suggesting China's emissions may have peaked! Despite previous drops in emissions being linked to economic downturns, this time new installed renewable generation outpaced energy demand growth and displaced coal. What a delightful palate cleanser!Our main paper“Unlimited Power!!!” cackled your intrepid hosts as we imbibed this week's paper, The New Energy Trade: harnessing Australian renewables for global development from Reuben Finighan at the Superpower Institute. This cracker of a report had us stroking chins, making plans for world domination and tallying the BAGILLION dollars in export value from Australia's potential as a global leader in the ‘superpower trade'. This paper was methodical and compelling in fleshing out Ross Garnaut's vision of Australia as a renewable energy superpower - and what a huge juicy prize to be won! We recommend sampling the summary report for super curious Summerupperers.One more thingsTennant's One More Thing is: The Victorian Transmission Plan, 2025 edition, Draft for ConsultationFrankie's One More Thing is: the PC rolling up its sleeves and speeding up approvals for new energy infra, encouraging private investment in adaptation, and reducing the cost of meeting carbon targets are in its sights!Luke's One More Thing is: putting listeners on notice for LMSU's first book club episode! That's right, we're going to read (or perhaps listen) to Ezra Klein and Derek Thompson's provocative 'less regulation may be better for the environment' bestseller Abundance, and sum it up sometime soon. Get reading folks!And that's all from us Summerupperers! Send your hot tips and suggestions for papers to us at mailbag@letmesumup.net and check out our back catalogue at letmesumup.net.

In this conversation, Benjamin Suggs discusses the importance of understanding the annual production value of a new patient in a dental practice. He explains how to calculate this value and its significance in determining the return on investment (ROI) for dental marketing efforts. Suggs emphasizes the need for accurate data analysis and provides a step-by-step guide on how to derive meaningful insights from collections and patient acquisition costs. The discussion highlights the importance of making informed marketing decisions based on calculated ROI.Chapters00:00 Understanding the Value of a New Patient02:46 Calculating Patient Value and ROI06:04 Making Informed Marketing DecisionsTakeawaysMost dentists can't answer the annual production value of a new patient.Calculating the value of a new patient requires data analysis.The production value should be assessed over a 12-month period.Collections, not production, determine the actual revenue.Understanding patient value helps in evaluating marketing ROI.Use dental software to track patient numbers and collections.A ballpark figure for new patient value is useful for decision-making.Calculate ROI by comparing marketing costs to patient value.Data-driven decisions enhance marketing strategies.Investing in training can improve patient acquisition rates.Dentist SpotlightInspirational Smiiles Orthodonticshttps://orthodontistcumming.comLocations:Downtown Cumming: https://g.co/kgs/gfPHsXiSouth Forsyth: https://g.co/kgs/1Q61QYpSmarter Dental Marketing. Powered by AI.Perfected by Human Experts. We combine cutting-edge AI technology with over 12 years of dental marketing expertise to drive real results. From increasing new patient flow to filling holes in your schedule, our strategies are built to grow your practice—efficiently, intelligently, and predictably. Experience marketing that adapts in real-time and delivers every time. No long-term contracts. Our clients average a 5X return on investment. Personalized, non-corporate approach. 5-star reviewed. Incredibly easy to work with - your time commitment is minimal. Find us: Website: https://newpatientsflow.com Google: https://g.co/kgs/zqWTc5a Facebook: https://www.facebook.com/newpatientsflow Instagram: https://www.instagram.com/newpatientsflow/ Linkedin: https://www.linkedin.com/company/newpatientsflow

05-20-25 - Entertainment Drill - TUE - Calculating That Belichick's Fiance Was A Baby When He Won First Super Bowl - Lethal Weapon 5 Is Happening w/Gibson And GloverSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

05-20-25 - Entertainment Drill - TUE - Calculating That Belichick's Fiance Was A Baby When He Won First Super Bowl - Lethal Weapon 5 Is Happening w/Gibson And GloverSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Before you hire, launch, or invest, there's one number you need to know: your future break-even point. It's more than a “boring” accounting term; it's one of the most powerful tools you have in your toolkit as a business owner and CEO.  In this episode, Danielle Hayden, reformed corporate CFO and CEO of Kickstart Accounting, Inc., flips the script on how entrepreneurs look at their break-even point by turning it from a financial checkmark into a forward-thinking strategy tool. She walks through how to use it as a launchpad for smarter decisions and puts you in control of your numbers.  Key Takeaways:  Break-Even as a Planning Tool: Knowing your break-even point helps you look forward, not backward, and make strategic choices with confidence.  Know Your Break-Even Before Big Decisions: Calculate how your expenses will change first and then what new revenue you'll need to cover them. Turn Your New Break-Even into Your Revenue Goal: Add a 10–15% profit margin to your break-even number to set a clear, sustainable monthly revenue target. Create a Margin of Safety: If you're not ready to make a leap, build savings in advance so you're financially prepared to take on new expenses with confidence. Numbers Beat Guesswork Every Time: Ditch the gut-based decisions and use this method to plan investments without fear or uncertainty. Topics Discussed: What is Break-Even Point in Business & How to Use It (00:50 – 01:57) How to Calculate Your New Break-Even Number (01:58 – 04:41) Real World Example of Calculating a New Break-Even (04:41 - 06:08) Saving for an Investment & Margin of Safety (06:08 - 07:11) Using Break-Even to Plan Your Next Business Move (07:11 - 08:35)   Related Episode: Ep. 222 | From Burnout to Balance: Redefining Entrepreneurial Success Through Break-Even Analysis with Delanie Fischer of Self-Helpless Podcast   Book a Call with Kickstart Accounting, Inc.: https://www.kickstartaccountinginc.com/book    Connect with Kickstart Accounting, Inc.: Instagram | https://www.instagram.com/Kickstartaccounting YouTube | https://www.youtube.com/@businessbythebooks  Facebook | https://www.facebook.com/kickstartaccountinginc

Sean Dranfield notes that the latest moves in the 10-year yield are "much ado about nothing," noting a method to the madness when it comes to measuring bond moves. He talks about how yields have swung around market volatility and ways investors can brace for future moves. He also talks about which bonds he favors in the current market environment.======== Schwab Network ========Empowering every investor and trader, every market day. Subscribe to the Market Minute newsletter - https://schwabnetwork.com/subscribeDownload the iOS app - https://apps.apple.com/us/app/schwab-network/id1460719185Download the Amazon Fire Tv App - https://www.amazon.com/TD-Ameritrade-Network/dp/B07KRD76C7Watch on Sling - https://watch.sling.com/1/asset/191928615bd8d47686f94682aefaa007/watchWatch on Vizio - https://www.vizio.com/en/watchfreeplus-exploreWatch on DistroTV - https://www.distro.tv/live/schwab-network/Follow us on X – https://twitter.com/schwabnetworkFollow us on Facebook – https://www.facebook.com/schwabnetworkFollow us on LinkedIn - https://www.linkedin.com/company/schwab-network/ About Schwab Network - https://schwabnetwork.com/about

Before you hire, launch, or invest, there's one number you need to know: your future break-even point. It's more than a “boring” accounting term; it's one of the most powerful tools you have in your toolkit as a business owner and CEO.  In this episode, Danielle Hayden, reformed corporate CFO and CEO of Kickstart Accounting, Inc., flips the script on how entrepreneurs look at their break-even point by turning it from a financial checkmark into a forward-thinking strategy tool. She walks through how to use it as a launchpad for smarter decisions and puts you in control of your numbers.  Key Takeaways:  Break-Even as a Planning Tool: Knowing your break-even point helps you look forward, not backward, and make strategic choices with confidence.  Know Your Break-Even Before Big Decisions: Calculate how your expenses will change first and then what new revenue you'll need to cover them. Turn Your New Break-Even into Your Revenue Goal: Add a 10–15% profit margin to your break-even number to set a clear, sustainable monthly revenue target. Create a Margin of Safety: If you're not ready to make a leap, build savings in advance so you're financially prepared to take on new expenses with confidence. Numbers Beat Guesswork Every Time: Ditch the gut-based decisions and use this method to plan investments without fear or uncertainty. Topics Discussed: What is Break-Even Point in Business & How to Use It (00:50 – 01:57) How to Calculate Your New Break-Even Number (01:58 – 04:41) Real World Example of Calculating a New Break-Even (04:41 - 06:08) Saving for an Investment & Margin of Safety (06:08 - 07:11) Using Break-Even to Plan Your Next Business Move (07:11 - 08:35)   Related Episode: Ep. 222 | From Burnout to Balance: Redefining Entrepreneurial Success Through Break-Even Analysis with Delanie Fischer of Self-Helpless Podcast   Book a Call with Kickstart Accounting, Inc.: https://www.kickstartaccountinginc.com/book    Connect with Kickstart Accounting, Inc.: Instagram | https://www.instagram.com/Kickstartaccounting YouTube | https://www.youtube.com/@businessbythebooks  Facebook | https://www.facebook.com/kickstartaccountinginc

Government waste, fraud, and abuse make headlines, and tightening the belt sounds like common sense. But what's the real cost in Black and Brown communities and vulnerable populations? We go beyond the bullet points to uncover the hidden impacts and, most importantly, explore how we can protect and prepare. This episode features a special guest – Lawrence Hibbert of BCT Partners, one of the largest Black-Owned management consulting firms in the country.

Lyndsay and Shannon discuss their transition from traditional 9 to 5 jobs to full-time farming. They share personal experiences of burnout and dissatisfaction in their previous careers, which motivated them to pursue farming. The episode emphasizes the importance of solid financial planning, understanding cash flow, and tracking expenses. They outline the phases of transition, including recognizing the need for change and setting realistic expectations about farming's challenges. The speakers also highlight the significance of community support and maintaining a resilient mindset throughout the journey.If you're ready to stop hoping for good roses and start growing them, visit heirloomroses.com and use code DIRTONFLOWERS for 20% off all roses now through 12/31/25.If you want to dive in deeper with us each month, join our membership group - The Dirt on Flowers Insiders! So if you love the podcast and want to dig deeper with us, head over to www.thedirtonflowers.com/membership to join now. Did you love today's episode? Take a screenshot and share it in your IG stories. Don't forget to tag @dirtonflowers!Leave us a rating and review on Apple Podcasts!Head to www.thedirtonflowers.com to sign up for our newsletter and become a Dirt on Flowers insider!Want to learn more about your hosts? Follow us on Instagram!Lyndsay @wildroot_flowercoShannon @bloomhillfarm

Coach Chris Newport shares her methodology for developing an evidence-based fueling and hydration plan for her upcoming off-road Olympic triathlon. She demonstrates how tracking personal sweat data, testing products, and adjusting for logistics leads to a race nutrition strategy that works specifically for her body's unique needs (and will help translate to yours!)She discusses:• Using the four T's approach: Track it, Try it, Tweak it, Trust it• The importance of tracking sweat rate based on dew point, workout type, and intensity• Calculating exact sodium, fluid, and carbohydrate needs using personal sweat testing data• Choosing products that match your specific requirements (plus her specific products she uses)• Managing pre-race logistics when traveling, including food planning and sleep considerations• Preparing familiar foods that work well with your system before races• Creating workable solutions for carrying nutrition during events with restrictions• Planning recovery nutrition immediately after racingJoin our Fueling and Hydration Bootcamp at theenduranceedge.com/fuelingbootcamp to develop your own personalized plan and stop letting nutrition be the reason you fall short. Support the showDownload our free resources: 6 Steps to Triathlon Success: Free Guide Hydration Guide for Athletes Runner's Fueling & Hydration Cheat Sheet Guide to High Performance Healthy Eating Find us here: TheEnduranceEdge.comRace with us: Humans of Steel Olympic & Sprint Triathlon at Harris Lake, NCPurchase Safe Supplements here.Follow us on Instagram or Facebook

This is a REPOST from Episode 43 in Season 1.HCP - 46 - “10 Signs of Being a Narcissistic Pastor”Though it's easy to point fingers at others, who you may think have this issue, we should probably look in the mirror first.  The original sin is PRIDE. It got Lucifer kicked out of Heaven and Adam and Eve removed from Eden. It can also ruin your life and church.  Though we all appreciate those moments as leaders in the church where someone says “we don't know what we'd do without you”, we should be careful to start “believing our own press”. In this podcast Larry and Drew discuss their own struggles with pride and how dangerous the issue of Narcissism can be in the heart of leaders and even effect your church.This conversation is built around the frame work of an article by Charles Stone found on CharlesStone.Com (link below). Stone gives 10 thoughtful considerations of possible signs in leaders who might be Narcissistic. The 10 Signs of Being a Narcissistic Pastor or Leader:Rage if he experiences shame for shame exposes his true self.An inordinate need for praise in order to feel important.The feeling of entitlement to special treatment.The immense need for continual feedback of how important she is.The feeling of superiority and its reinforcement from others.Strong reaction to rejection and disapproval, sometimes with intense rage.The lack of the capacity to mourn, a defense against depression.Calculating and conniving behavior to “maintain” supplies of continuous adulation.An impaired capacity for commitment.No capacity for self-focus or self-examination.“Do nothing out of selfish ambition or vain conceit. Rather, in humility value others above yourselves.”Phil. 2:3This article can be found at:https://charlesstone.com/the-narcissistic-pastor-10-signs-that-you-may-be-one/Other resources:https://unseminary.com/5-signs-youre-following-a-narcissistic-church-leader/https://careynieuwhof.com/episode212/For more information about the Healthy Church Podcast, find us at:http://www.HealthyChurchPodcast.ComOr find us on FaceBook.

In this episode of Honest Money, Warren Ingram and Pieter de Villiers discuss the concept of financial freedom and how to calculate your financial freedom number. They touch on the importance of understanding personal lifestyle costs, the 4% rule for sustainable withdrawals, and the need for flexibility in financial planning. The conversation also touches on the balance between enjoying life now and saving for the future, as well as the significance of tracking progress towards financial goals.TakeawaysFinancial freedom means making choices based on desire, not necessity.You only need enough assets to sustain your desired lifestyle.Calculating your financial freedom number is a personal process.Track your actual expenses to get a realistic financial freedom number.The 4% rule is a guideline for sustainable withdrawals from investments.Flexibility in financial planning is crucial for adapting to life changes.Balancing current enjoyment with future savings is essential.Celebrate small wins in your financial journey to stay motivated.Regularly update your financial freedom number as circumstances change.Controlling expenses is key to achieving financial freedom faster.Learn more about Prescient Investment Management here.Send us a textHave a question for Warren? Don't forget to voice note your questions through our WhatsApp chat on (+27)79 807 8162 and you could be featured in one of our episodes. Follow us on Twitter, LinkedIn and subscribe to our YouTube channel for more Financial Freedom content: @HonestMoneyPod

Golden Eggs Property Founder and Director Hayden Warren firmly believes in the long-held property notion that buying property and waiting is better than waiting to buy property. Understanding the necessity of weighing the pros and cons of methods that investors use in building their property portfolio, he now unpacks redrawing equities, calculating deals up to 100% LVR, and knuckling down on property in one's 20s. Plus, he reveals what he—knowing what he knows today—would have done differently with two properties he had bought at the beginning of his journey. Hosted on Acast. See acast.com/privacy for more information.

In this episode of Beer and Money, Alex Collins discusses the intricacies of converting traditional IRAs to Roth IRAs, including the types of conversions, strategies for implementation, and the tax implications involved. He emphasizes the importance of consulting with tax advisors and financial planners to navigate these decisions effectively. The conversation also covers the timing of conversions, potential costs, and unintended consequences as individuals approach retirement. Check out our website:  beerandmoney.net For a quick assessment of your current financial life go to: https://www.livingbalancesheet.com/lbsVision/lite/RyanBurklo Check out your tax rate (the site Alex mentioned): https://data.qz.com/2012/yourtaxrate/ Takeaways Conversions can be from traditional IRA to Roth IRA. Non-deductible contributions can be converted tax-free. Pre-tax conversions will incur tax liabilities. Timing conversions during low-income years is beneficial. Understanding historical income levels aids in planning. Most people remain in the same or higher tax bracket in retirement. Calculating the cost of conversions is crucial. Medicare costs can be affected by conversions. Consulting with professionals is essential for tax strategies. Unintended consequences can arise from poor planning. Chapters 00:00 Introduction to Conversions 01:24 Types of Conversions Explained 03:25 Strategies for Converting to Roth 04:40 When to Consider Conversions 07:12 Understanding Tax Implications 09:29 Calculating Costs of Conversion 11:43 Unintended Consequences Near Retirement  

Two great questions on which the boys pontificate in fineform. Yes, ZIP-R is "backwards" (rigid insulation interior tostructural sheathing) but that does not mean that it doesn't work; itdoes, just differently. So why don't we typically rain screen roofcladdings? The short answer is it always costs more, regardless of thetype of roof cladding. But you know the saying: vent until youcan't...NOTE: - An Apology: Pete keeps saying "vinyl siding" when he means"vinyl wallpaper" in terms of what many older homes see as newly addedcovering over failed/failing plaster... Oh, and we can endlesslyapologize for Steve's parting "jokes"...PETE'S RESOURCES:- "Calculating minimum thickness of rigid foam sheathing"NOTE: Martin Holladay has more than one seminal GBA blog on the topicof adding continuous exterior rigid insulation to meet code--and evenbetter--for greater energy efficiency and maintained moisturemanagement.- "Avoiding Wet Roofs:"https://www.jlconline.com/how-to/insulation/avoiding-wet-roofs_o &https://www.jlconline.com/how-to/insulation/avoiding-wet-roofs-part-ii_o

Episode #973 Ever wonder what staying stuck is actually costing you—not just financially, but emotionally and mentally? We're bringing back this episode because it struck a nerve with so many men. It's one of those conversations that hits differently the second time around—especially if you've been feeling that quiet pull to make a change but haven't moved yet. In this episode, we revisit a powerful concept that came out of a conversation with a high-level business consultant who uses a dead-simple method to get results: calculate the real cost of doing nothing. Not hypothetically—actually write it down. And not just for business, but for your marriage, your health, and your sense of purpose. You'll hear real-world examples of what men lose by hesitating—relationships, time with their kids, even businesses. And you'll get a straight-up challenge: write down the five core areas of your life and ask yourself, “What is inaction costing me here?” This isn't about guilt. It's about clarity—and then making moves that matter. If you're in a season where you're waiting for the “right time,” this revisit might be exactly what you need to hear today.

When should you turn on Social Security? There may be more variables at play than you think. Jake and Cory discuss the complexities of Social Security, discussing strategies to help optimize your benefits and the impact of longevity, health, and working longer. Curious about how your financial plan and tax situation play into this decision? Tune in for insights to help you make more informed choices. --------------- Subscribe to our newsletter https://bit.ly/upticksubscribe   Contact us https://falconwealthadvisors.com/contact.html Order ‘Retiring Right' https://bit.ly/orderretiringright --------------- Upticks is your podcast for financial planning insights. Hosted by Jake Falcon, CRPC™ and Cory Bittner, CRPC™, who discuss the philosophy of wealth management, exploring tailored retirement plans, tax planning, and timely industry topics. Join us for concise, understandable discussions that help empower your financial literacy. --------------- Connect with Jake Falcon, CRPC™         https://www.facebook.com/jake.falcon.524         https://www.instagram.com/jake_falcon_crpc/?hl=en         https://twitter.com/jakefalconcrpc         https://www.linkedin.com/in/jakefalconfalconwealthadvisors     #socialsecurityplanning #retirementstrategies #financialplanningtips #socialsecuritybenefits #retirementdecisions #taxplanning #longevityandhealth #workinglonger #optimizingretirement #financialplanning

The federal Fair Labor Standards Act (FLSA) requires employers to compensate non-exempt employees at least the minimum wage for each hour worked and pay them overtime (at 1.5 times the employee's regular rate of pay) whenever they work more than 40 hours in a workweek. The amount employees should receive in pay cannot be determined accurately without knowing the number of hours worked. This can be especially tricky when the employee is paid on a piece-rate basis or has waiting time or on-call time during the workweek. To help you navigate these situations, listen in as we cover: [01:00] Defining a piece-rate employee [02:56] Minimum wage rules for piece-rate employees [03:49] Tracking hours for piece-rate employees [04:24] Calculating overtime for piece-rate employees [05:16] Waiting time [07:20] On-call time This content is based on generally accepted HR practices, is advisory in nature, and does not constitute legal advice or other professional services. ADP does not warrant or guarantee the accuracy, reliability, and completeness of the content. Employers are encouraged to consult with legal counsel for advice regarding their organization's compliance with applicable laws. This content is current as of the published date.  Copyright © 2025 ADP, Inc. All Rights Reserved. The ADP logo, ADP, RUN Powered by ADP, and HR{preneur} are registered trademarks of ADP, Inc. and its affiliates. All other marks are the property of their respective owners.  Privacy at ADP

Dr. Jenkins begins a discussion of the power and prerogative of the bishops of Rome, looking at the second-century Quartodeciman controversy over the date of Pascha. This controversy marks the first interaction of the bishops of Rome with the Churches of the eastern Mediterranean. Byzantine course: https://tinyurl.com/LuxchristiByzantium

Send us a textIn this episode of the Private Practice Survival Guide, we discuss the critical difference between evaluating gross revenue and net value when calculating your practice's ROI. We explain why focusing on net value—after deducting all operational costs—gives a more accurate picture of profitability and long-term sustainability. This approach allows you to make smarter financial decisions, especially when evaluating marketing strategies, service offerings, and staffing costs. By the end of this episode, you'll understand how this small shift in perspective can lead to major improvements in your bottom line. Welcome to Private Practice Survival Guide Podcast hosted by Brandon Seigel! Brandon Seigel, President of Wellness Works Management Partners, is an internationally known private practice consultant with over fifteen years of executive leadership experience. Seigel's book "The Private Practice Survival Guide" takes private practice entrepreneurs on a journey to unlocking key strategies for surviving―and thriving―in today's business environment. Now Brandon Seigel goes beyond the book and brings the same great tips, tricks, and anecdotes to improve your private practice in this companion podcast. Get In Touch With MePodcast Website: https://www.privatepracticesurvivalguide.com/LinkedIn: https://www.linkedin.com/in/brandonseigel/Instagram: https://www.instagram.com/brandonseigel/https://wellnessworksmedicalbilling.com/Private Practice Survival Guide Book

In episode 132 of Cybersecurity Where You Are, Sean Atkinson is joined by Valecia Stocchetti, Sr. Cybersecurity Engineer of the CIS Critical Security Controls (CIS Controls) at the Center for Internet Security® (CIS®). Together, they discuss what the first day, step, and dollar of implementing a controls framework look like for organizations stepping into their cybersecurity journey. Here are some highlights from our episode:01:54. Building and improving a cybersecurity program through the power of consensus04:55. The use of an assessment to determine where you are and where you're going09:15. How cross-mapping to multiple frameworks simplifies regulatory compliance efforts12:00. The use of governance to secure leadership buy-in for your cybersecurity program13:33. Continuous auditing and monitoring as tools for adapting to change15:10. How Controls prioritization flows through the Implementation Groups (IGs)19:39. Leadership as the backbone for getting any business program off the ground22:59. Calculating the cost of cyber defense as a preventative action24:55. Tradeoffs with security tools to keep in mind so that you can budget efficiently30:00. Qualifications when using security offerings of MSPs and CSPsResourcesCIS Community Defense Model 2.0How Risk Quantification Tests Your Reasonable Cyber DefenseCIS Controls Self Assessment Tool (CIS CSAT)Guide to Implementation Groups (IG): CIS Critical Security Controls v8.1How to Plan a Cybersecurity Roadmap in 4 StepsThe Cost of Cyber Defense: CIS Controls IG1If you have some feedback or an idea for an upcoming episode of Cybersecurity Where You Are, let us know by emailing podcast@cisecurity.org.

This podcast is brought to you by Outcomes Rocket, your exclusive healthcare marketing agency. Learn how to accelerate your growth by going to outcomesrocket.com The most crucial aspect of clinical financial decision support is knowing what not to say to physicians to avoid alert fatigue while still impacting cost-effective patient care.  In this episode, G.T. LaBorde, CEO of IllumiCare, explains how the company integrates with electronic medical records to provide real-time insights on the financial and patient safety implications of clinical decisions. By analyzing data on patient activity, medication orders, lab results, and costs, IllumiCare helps hospitals determine the actual cost of every order and suggests clinically appropriate, lower-cost alternatives. LaBorde highlights the challenge of accurately assessing costs due to the complexity of formulations, pack sizes, and suppliers. With a 30% adoption rate of its recommendations, IllumiCare empowers physicians to make cost-conscious decisions, and the company is now expanding to outpatient settings to reduce duplicative testing and imaging. Tune in and learn how to balance cost considerations with effective clinical care! Resources:  Connect and follow G.T. LaBorde on LinkedIn. Learn more about IllumiCare on their LinkedIn and website. Listen to G.T.'s previous interview on our podcast here. Contact G.T. through IllumicCare's contact page here. Fast Track Your Business Growth: Outcomes Rocket is a full-service marketing agency focused on helping healthcare organizations like yours maximize your impact and accelerate growth. Learn more at outcomesrocket.com